What Is the Sedimentation Rate?

Deposit precipitation rate is the ratio of average deposit balance to total deposit. The higher this indicator, the greater the amount of funds deposited in the bank, which reduces the liquidity needs of depositors and increases the availability of bank funds.

Deposit precipitation rate

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Deposit precipitation rate is the ratio of average deposit balance to total deposit. The higher this indicator, the

An indicator of the stability of bank deposits, also known as the "deposit stability rate". One of the goals of bank deposit management is to rationally allocate deposit institutions, and strive to promote the transformation of funds to stability without increasing costs or increasing costs.

In order to calculate the deposit rate of demand deposits, it is necessary to make a statistical analysis of the deposit situation of demand deposits. The calculation method is to use the formula "balance of the current month ÷ balance of the previous month" to calculate the precipitation rate for each month in which the demand deposit falls within a year Calculate the lowest precipitation rate and average precipitation rate (average minimum deposit balance ÷ average deposit balance) for the whole year, current deposit stability rate = (minimum balance of current deposit / average balance of demand deposit), average number of days occupied by current account = (average balance of demand deposit * Calculation period days) / total deposit payment * 100%; and a change rule has been researched between the two as the deposit deposit rate of demand deposits in a period. Some commercial banks use the "minimum balance ÷ maximum balance" method to calculate the precipitation rate. State-owned companies generally use 70% as an empirical data for this indicator.